12 Saint Clair Dr, Delmar, NY 12054 Property Records

Albany County and Bethlehem Town property record for 12 Saint Clair Dr, Delmar, NY 12054

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,245 sqft · built 1955
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Aug 2023)
Tax Bill	$6,516 (2026)
Deeds & Mortgages	Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012200 85.15-2-28`

Property Details

APN / Parcel Number

Primary APN	`012200 85.15-2-28`
Alternative APNs	`220008501500020280000000` `08501500020280000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,245 sqft Living Area
1st Floor Area	1,245 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	130 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Gazebo	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	08501500020280000000
Street Address	12 SAINT CLAIR DR
City	DELMAR
State	NY
Zip	12054-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	LOT 12 DELMAR
Legal Subdivision	DELMAR
Legal Block	2
Legal Lot Number	28.000
Jurisdiction	ALBANY NY
Township / Civil Division	BETHLEHEM
Census Block Group	2
Census Block	2018
Census Tract	14202

Owner

12 Saint Clair Dr is owned and occupied by an individual who bought it in August 2023.

Source: Albany County and Bethlehem Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	12 SAINT CLAIR DR, DELMAR, NY 12054-2706
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2023 · Amount on File
Deed Sale	Aug 18, 2023 · Amount on File
Deed Document Number	202314783
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALBANY NY
Property Address	12 SAINT CLAIR DR, DELMAR, NY 12054-2706
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SAINT CLAIR DR, DELMAR, NY 12054-2706

Mortgage

Document Number	0000004784
Date	Aug 18, 2023
Instrument	R2023-14784

Lender

Name	BALLSTON SPA NATIONAL BANK
Type	Bank
Address	BALLSTON SPA, NY 12020

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2033
Change Frequency	6 Months
Min Rate At Change	2%
Max Rate At Change	10.3%
Index	FHLBNY's 5-Year Index
Margin	2
Max Rate	10.3%

Tax Assessment & Valuation

The 2026 property tax bill for 12 Saint Clair Dr was $6,516, up 1.1% from the year before.

Source: Albany County and Bethlehem Town assessment roll, as of March 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Albany County
County Subdivision	Bethlehem Town
Unified School District	Bethlehem Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,516.00 (+1.1%)
2025	$6,445.00	$195,900 Land $61,500 Building $134,400	$306,094 Land $96,094 Building $210,000
2023		$195,900 Land $61,500 Building $134,400	$261,200 Land $82,000 Building $179,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Saint Clair Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 6, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 Saint Clair Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BETHLEHEM WD NO 1 serves 31,000 people · EPA ID NY0100191
Water Source	Surface water
Last State Inspection	Aug 2022
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 396 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20